Recieved consent order to set aside a ccj

[Tarinos]

Hi all,
I applied to set aside a ccj and recieved an email from the claimant that they agree to set aside the judgement on the basis that each side bares its own costs. Should I fill in the consent form or do i have chance to negotiate a better deal?
If i sign the consent form do i have to wait to receive a letter from the court before serving a fully pleaded defence? Or can I do it straight away?
i would really appreciate if someone could point me to the right direction - i have been suffering from this ccj for years now.
I was a victim of fraud and my bank was overdrawn by £10 ....recieved a letter from the bank asking me to visit a branch and to also to bring a utlitly bill....they were charging me £5 a day for the unauthorised overdraft. As i was 18 or 19 years old at that time and living with parents, i didnt have a utility bill under my name and the bank staff refused to talk to me unless i brought a utility bill so i iust ignored them and the £10 overdraft is now £900....i was travelling abroad in 2014 when I got the CCJ without knowing...i found out that i have a ccj in 2016.
The CCJ was due to disappear in june 2020 from my credit file and the claimant got a court order to collect the debt by using bailiffs etc
I filled in a form to set the judgment aside and have a hearing on 2nd of March - recieved the attached email and consent form from the claimant a couple of days ago and not really sure how to respond.*

[Tarinos]

Anyone?

[jaguarsuk]

I would agree to that consent order as it seems reasonable.

I wouldn't file a defence until ordered though because your defence if as described above is an admission of guilt.

You need to get a copy of the Particulars of Claim (which you can ask them for when returning this), then we'll be able to advise what your next steps are from reading those.

[Tarinos]

Hello Jaguarsuk,

Many thanks for your help. I signed the consent form and recieved the attached Particulars of Claim from the claimant. The judgement has now been set aside.
On the Particulars of Claims it states that i owe money due to an overdraft facility provided to me...i used to have an overdraft facility on this bank account but once I took a bit longer to pay it off....so when i paid my overdraft in full...halifax withdrew the overdraft facility from my account...so I did not have an overdraft facility so there was no agreement.
I was a victim of fraud so my account went £10 or £15 unauthorised overdraft and they started charging me £5 a day and wouldnt let me pay it off until i provided a utility bill.
When I found out about the CCJ in 2016, I reported the fraud to the police and also to action fraud...if I request copies of these reports and submit to court...do you think it will help my case? Should i start working on writing a fully pleaded defence?

Many thanks

[Tarinos]

Sorry forgot to attach

[jaguarsuk]

Yes, your defence is that you had no authorised overdraft, you were a victim of fraud and that you do not owe the monies claimed.